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Debt Collector Harassment: How to face “junk debt” collectors

During an era in which many hard-working Minnesotans are struggling under the burden of debt, an industry sometimes referred to as “junk debt” collection has flourished. When an established creditor (e.g. a major credit card company) decides that a debtor will likely fail to pay back their debt, they often sell that debt in a portfolio… Read more »

Can You Get a Personal Loan After Bankruptcy?

Many believe bankruptcy is the end of the financial road, so to speak. It might have seemeds like that in the past, but these days, filing bankruptcy isn’t quite as painful as those who do can easily rebuild their finances, credits, as well as their life. This means you aren’t stuck drudging along with no… Read more »

Why Don’t Lenders Send Statements After Bankruptcy?

Creditors Will Not Send Statements After You File Bankruptcy After filing for bankruptcy, there are many who choose to keep debts like mortgages and car loans. However, soon they discover that those lenders have stopped sending monthly billing states. This can lead to confusion and occasionally missed or late payments since it is so difficult… Read more »

Does Bankruptcy Stop Wage Garnishment?

There a variety of circumstances that can cause wage garnishment, but when you have garnishment and mounting debts, can bankruptcy solve it? Everyone knows the rest of your debt will be wiped out by bankruptcy, but can wage garnishment be counted among it? The good news is that bankruptcy can stop wage garnishment, but the… Read more »

What You Need to Know About a Home Foreclosure

For many people, buying a home is a dream. However, there are times when this dream turns into a nightmare. In the last housing crash, millions of people had to foreclose on their home. This is a process that is difficult on families. Not only that, but foreclosing on a home has a negative impact… Read more »

How to Dispute a Chexsystems After Bankruptcy

Chexsystems is a company that reports bounced checks and overdrafts to banks. Think of it like a credit report for how people use their checking accounts. Usually a bank will run your name through Chexsystems when you try to open a new checking account to see if you are a good candidate. If you have… Read more »

Reasons to Consider Hiring a Bankruptcy Lawyer

Whether you have immense medical bills, you are falling further behind on your loan payments, or you have a lot of credit card debt, filing for bankruptcy may seem like the best way to get a fresh start. However, this can be an extremely difficult time for you and your family, and you may want… Read more »

5 Strategies to Avoid Bankruptcy

It is often difficult to stay above financial waters when you feel as if you’re drowning in debt. Avoiding bankruptcy is often the end goal; however, when the bills are piling up and creditors are calling, you may feel like there is no relief in sight. Take action to reduce your debt and rise above… Read more »